I had opened an account with Providian Finacial over four years ago, the balance was less than $900.00. They sent a letter asking if I would like to have the accout canceled or sold to another company, I said canceled, then about four months later I get a letter from emerge saying they own the account, it has not been canceled and the interest rate hase jumped from 14% to 29.99% and it has been hell every since.
I refused to pay them with the interest they had added on, I even made offers to pay the original providian balance in full but they say no, so every month I get a new bill with new charges, an over the limit fee, a late fee, an interest fee and a regular monthly fee. This place is the biggest scam I've ever seen and I don't know who to contact to get this resolved correctly.
I have contacted a lawyer so now I am trying to get people who are willing to file a class action lawsuite against this company. When you don't pay a credit card for over a year, it should be canceled and sent to collections, not kept open so they can just keep adding interest.
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